Valuable Items Coverage

Valuable Items Coverage supplements property insurance for belongings high in value. Commonly insured valuables include guns, jewelry, heirloom items, collectibles, musical instruments, high-end equipment and artwork.


What does valuable items insurance cover?

While homeowners policies have limits on the dollar amount, Valuable Items Coverage offers protection beyond those limits, enhancing your coverage.

In addition to the higher dollar limits, valuable items coverage expands your policy to include coverage for additional types of loss, such as breakage. Most valuable items policies automatically insure newly purchased items.

Since valuables vary, losses are settled depending on the type of property insured. For some items, you will be reimbursed for the agreed value shown on your policy. For others, the value is determined at the time of the loss.

According to your policy, you will be reimbursed for either the actual cash value of your property, the cost to reasonably restore it to its previous condition, the cost to replace it with a substantially identical item, or the applicable amount of insurance.

Depending on the value of your property, some insurance companies require additional security measures, such as an alarm system for your home.


Types of Valuable Items Coverage

There are two types of valuable items policies, "blanket" coverage and "scheduled" coverage.

Blanket Coverage

Valuable Items Blanket Coverage easily protects valuables such as computers and artwork without additional paperwork or appraisals.

Scheduled Coverage

Valuable Items Scheduled Coverage often requires listing specific items and values along with current appraisal paperwork, however this type of policy covers 100% of the insured value of scheduled items in the event of a covered loss.

Our team is here to help you find the best protection possible.


This website is for general information only and does not amend, modify supplement or guarantee any insurance policy. Your eligibility for insurance coverage is subject to the determination of qualifications and acceptance by the insurance underwriting company.